A simple, clear way to save together.
Siklo is a clean online notebook for your Paluwagan. It helps everyone see who has paid, who gets the money next, and keeps your records safe and clear.
No More Notebooks
Everything is saved online. You don't need to write payments down in notebooks or paper slips that can get lost.
Know Your Turn
Everyone has a turn number. You know exactly when it is your turn to receive the group money, with no confusion.
Honest & Clear
All members see the same payment list. It builds trust and avoids any disagreements or misunderstandings.
Built on Trust, Fairness & Clarity
The guiding principles behind Siklo to ensure every savings circle runs smoothly without stress.
Radical Transparency
Every payment log and turn schedule is visible to all group members, eliminating secret records or misunderstandings.
Automated Equity
Turn order math, payout totals, and payment deadlines are calculated automatically so everyone gets treated fairly.
Community Protection
Built specifically to preserve trust in Filipino saving circles without holding your money or charging middleman fees.
Simple Words to Understand How It Works
Here is a simple explanation of the words we use so you always know how your savings group runs.
Cycle
Full Group RotationOne full cycle means every single person in the group has received their payout once. If a group has 2 cycles, the rotation repeats so everyone gets paid twice.
Turn / Round
One Payout PeriodThe specific period where all members chip in their share of money for one scheduled member.
Payout Pool
Total Money CollectedThe total amount of money collected from all members for that turn, given directly to the scheduled member.
Billing Cycle
How Often You PayHow often members need to send their payments. This can be daily, weekly, twice a month (15th and 30th), or monthly.
Beneficiary
Member Getting PaidThe member assigned to receive the full pooled money for the current active turn.
Organizer
Group Leader / AdminThe trusted person who creates the group, checks members' payment receipts, and sends out the pooled money to each recipient.
Why Trust Siklo?
How we ensure transparency, clarity, and reliability in all your Paluwagan cycles.
100% Shared Visibility
Every member gets read-only access to the group ledger, removing the risk of altered numbers or hidden secrets.
Zero Math Errors
Siklo automatically computes payout pots and increments turns. No calculator needed, no mistakes made.
Philippine-Centric Setup
Built tailored for Pinoy savings culture, honoring turns, digital receipts, and community contributions.
No Middleman Fees
Siklo does not touch or hold any money. The tool is 100% free to use to coordinate your groups' cycles.
Private Invite Access
Every savings circle is strictly private. Members join securely via unique group invite codes, keeping your records confidential.
How Siklo Protects Your Group Ledger?
Strict operational standards designed specifically to preserve community trust and eliminate disputes.
Direct Member-to-Member Transfers
Siklo never holds, manages, or locks your money. Contributions are transferred 100% directly between members using your trusted mobile wallets (GCash, Maya) or cash, eliminating middleman fees and deposit risks.
Real-Time Audit Trail
Every single contribution verification, turn advance, and announcement generates a timestamped entry in the group's activity feed. Every circle member gets an identical, real-time record history.
Locked Turn Governance
Once a Paluwagan cycle starts, turn positions and payout dates are locked to prevent arbitrary changes. Clear permissions distinguish organizer verification duties from member read-only rights.
Have questions about how Siklo handles Paluwagan rules?
Explore our complete, searchable Help & Support knowledge base.